I also want to be able to write my own offers without relying on someone else to deliver the "insulting" offer.

The length and rate really vary wildly between owners. 

I know the answer will vary based on risk tolerance but would like to hear what some more seasoned investor's believe is wise.

I think your response rate will vary between sub-markets quite a bit.

There may be similar deductions, credits, or benefits available to you paying state tax to Ohio.Just like the post above mine states, don't rely on this as credible or actionable legal advice.

The lease laws vary from month to month agreement , to 1 year, to 2 years or more etc.It's all about the details.No legal advice given.

If zillow proves fairly accurate then I'd rely upon it because if you can rely on it, it makes life much easier.  

I don't know anything about insurance really but based on my experience and what you're saying it just seems that rates vary wildly. 

I actually prefer to not have to rely on someone else's schedule to do what I need.  

People rely on insurance only and lose their personal fortunes when they find out the lawsuit they're facing is covered by their policy.